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It's fairly easy to acquire credit, however many individuals haven't any credit score historical past. See extra debt pictures. Credit makes the monetary world go 'spherical. That's true for Fortune 500 corporations, first-time homebuyers and aspiring college college students alike. Lenders make decisions about the creditworthiness of borrowers primarily based primarily on credit score stories and credit score scores -- two ways to quickly assess an applicant's credit score historical past. The power of your credit historical past is what determines for those who qualify for a bank card, a home mortgage or a car loan and at what interest charge. Have you at all times paid your credit card stability on time? Have you ever defaulted on a loan? It's all a part of your credit score history. They've never applied for a loan, a bank card or any line of credit score. While it's doable to pay cash for all expenses, it is arduous to construct sufficient money res...